If you've a question about our credit cards, take a look below at the answers to the questions we're asked most often.
Dont forget, we may have the answer in our Online Help. Plus you can always drop into your local branch.
How do I make a payment?
There are a number of ways to make a payment:
Can I apply for more than one credit card account?
If we accept your application (and unless we tell you), we will transfer all your existing Lloyds TSB credit card account(s) and move the outstanding balance(s) to your new card account on your current terms and conditions and rates.
Do I pay an annual fee?
Our Airmiles Duo Cards, Platinum MasterCard, Advance MasterCard and Student MasterCard are all fee free.
If you are applying for an Airmiles Duo Premier account (not available online) and don’t hold a Premier current account, you will be charged an annual fee of £50.
£50 annual fee. 2.5% fee for cash advances and 3% (minimum £3) for promotional cheques. 2.75% fee for non-sterling transactions – interest charged on these fees. Minimum payment 2% (min £5) of monthly statement balance, or if it is more, the amount of interest and Payment Protection Cover in that month. Minimum credit limit £3,500.
Typical 20.3% APR variable
Can I have an additional cardholder on my account?
Yes, as long as they are 18 or over. All you need to do to apply for an additional cardholder is call Customer Services on 0845 606 2171 once your account is open.
Alternatively if you are registered Internet Banking you can also download a form to send off for the secondary cardholder to complete.
The primary cardholder will be responsible for the transactions and the transactions made by the primary cardholder and the additional cardholder, which will appear on the same statement.
How can I order my Credit Card PIN’s through SMS?
Ordering a replacement PIN by text is faster and easier than going to a branch or sending your request by post, plus it won’t cost you any more than your usual charge for sending a text message.
Follow the instructions below and we’ll send you a message back to let you know we’ve received it.
You should receive your order within four working days. If you haven’t received anything from us within that time, please call Card Services on 0845 606 2172 (+44 1702 278 272 if overseas).
If you change your PIN on one of your Airmiles Duo cards, the change will not automatically apply to the other. You will need to change the second card in exactly the same way.
This service is available for credit card PIN requests only.
If you need a replacement debit card PIN please call us on 0845 3 000 000 or visit your local branch.
What is the difference between American Express® and MasterCard?
American Express® and MasterCard are both providers of Lloyds TSB credit cards.
The Lloyds TSB Airmiles Duo American Express® card allows you to collect up to five times more Airmiles than your Lloyds TSB Airmiles Duo MasterCard.
American Express® is widely accepted wherever you see the American Express® sign, and where you can’t use it, you’ll have your Lloyds TSB Airmiles Duo MasterCard as a back up which is accepted at over 24 million outlets worldwide.
How do I make a balance transfer?
If you are a new credit card customer - You can a make a balance transfer online when you first apply for a credit card. Please note that the promotional rate is only available when you make a balance transfer within the first 6 weeks of your card being issued. After that any balance transfers you make will be at the standard rate. 3% fee applies.
If you are an existing credit card customer registered with Internet Banking– You can make an online balance transfer application when you log in to Internet Banking by selecting the ‘balance transfer’ link in the left hand navigation or on the account overview screen. You can transfer balances from non-Lloyds TSB credit or store cards to your Lloyds TSB credit card. Please note that this balance transfer facility is only available to personal credit card customers who have had a Lloyds TSB credit card account for more than 6 weeks, and whose account is up to date. The promotional rate is not available to Student or Vantage credit card customers. 3% fee applies.
What should I do if I cannot make the required repayment?
Call our Customer Service team on 0845 606 2171 to discuss what options are available to you.
What should I do if I don’t recognise a transaction on my statement?
You should call Customer Services on 0845 606 2171 as immediately with the transaction details. We'll then be able to look into the item(s) on your behalf.
We may need you to sign a declaration form disclaiming your knowledge of the transaction(s) and we may need to block your account number for security purposes.
What should I do if I lose my card or it is stolen?
You should call Customer Services as soon as possible on 0800 096 9779 or if you are calling from abroad, call +44 1702 278270.
If I find my card after it has been reported lost or stolen, can I start using it again?
No, once you have reported your card lost or stolen, even if found, you cannot start using it again. A new card is ordered for you when you report your card lost or stolen and should be with you in a few days.
However, you should let us know that you have found the card by calling us on 0845 606 2712.
What do I do if my card is due to expire?
Provided your account is in order, a new card will be automatically issued to you before your existing card expires.
